PFSI PennyMac Financial Services Inc

  1. Stocks
  2. Financial Services
  3. NYSE: PFSI

Price (delayed)

$66.01

Market cap

$4.1B

P/E Ratio

2.97

Dividend/share

$0.75

EPS

$22.2

Enterprise value

$22.84B

PennyMac Financial Services, Inc. is a specialty financial services firm with a comprehensive mortgage platform and integrated business focused on the production and servicing of U.S. mortgage loans and the ...

Highlights
PFSI's gross profit has surged by 61% year-on-year
The price to earnings (P/E) is 44% lower than the 5-year quarterly average of 5.3
PennyMac Financial Services's EPS has soared by 86% YoY but it has decreased by 6% from the previous quarter
The company's net income has surged by 68% YoY but it fell by 9% QoQ
Sector: Financial Services
Industry: Mortgage Finance
Website: http://www.pennymacusa.com
Peers: WRLD SLM FMCC

Key stats

What are the main financial stats of PFSI
Market
Shares outstanding
62.06M
Market cap
$4.1B
Enterprise value
$22.84B
Valuations
Price to earnings (P/E)
2.97
Price to book (P/B)
1.25
Price to sales (P/S)
1.13
EV/EBIT
10.72
EV/EBITDA
10.51
EV/Sales
5.93
Earnings
Revenue
$3.85B
EBIT
$2.13B
EBITDA
$2.17B
Free cash flow
-$5.28B
Per share
EPS
$22.2
Free cash flow per share
-$80.16
Book value per share
$52.65
Revenue per share
$58.42
TBVPS
$362.42
Balance sheet
Total assets
$23.88B
Total liabilities
$20.37B
Debt
$19.07B
Equity
$3.51B
Working capital
N/A
Liquidity
Debt to equity
5.43
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
8.62
Margins
EBITDA margin
56.5%
Gross margin
94.6%
Net margin
40.8%
Operating margin
55.4%
Efficiency
Return on assets
5.3%
Return on equity
46.9%
Return on invested capital
4%
Return on capital employed
N/A
Return on sales
55.4%
Dividend
Dividend yield
1.14%
DPS
$0.75
Payout ratio
3.4%

PFSI stock price

How has the PennyMac Financial Services stock price performed over time
Intraday
-0.83%
1 week
-0.62%
1 month
5.36%
1 year
13.28%
YTD
0.59%
QTD
7.98%

Financial performance

How have PennyMac Financial Services's revenue and profit performed over time
Revenue
$3.85B
Gross profit
$3.64B
Operating income
$2.13B
Net income
$1.57B
Gross margin
94.6%
Net margin
40.8%
PennyMac Financial Services's operating income has surged by 69% YoY but it has decreased by 9% QoQ
The company's net income has surged by 68% YoY but it fell by 9% QoQ
PFSI's gross profit has surged by 61% year-on-year
The revenue has soared by 56% YoY but it has decreased by 2% from the previous quarter

Growth

What is PennyMac Financial Services's growth rate over time

Valuation

What is PennyMac Financial Services stock price valuation
P/E
2.97
P/B
1.25
P/S
1.13
EV/EBIT
10.72
EV/EBITDA
10.51
EV/Sales
5.93
PennyMac Financial Services's EPS has soared by 86% YoY but it has decreased by 6% from the previous quarter
The price to earnings (P/E) is 44% lower than the 5-year quarterly average of 5.3
PFSI's equity is up by 42% YoY
The price to book (P/B) is 14% higher than the 5-year quarterly average of 1.1 but 3.8% lower than the last 4 quarters average of 1.3
The revenue has soared by 56% YoY but it has decreased by 2% from the previous quarter
PFSI's price to sales (P/S) is 13% higher than its 5-year quarterly average of 1.0 but 6% lower than its last 4 quarters average of 1.2

Efficiency

How efficient is PennyMac Financial Services business performance
The company's return on invested capital fell by 27% YoY and by 7% QoQ
The company's return on assets fell by 24% YoY and by 10% QoQ
The ROE has contracted by 16% from the previous quarter but it has grown by 11% YoY
PennyMac Financial Services's ROS has increased by 8% YoY but it has decreased by 7% from the previous quarter

Dividends

What is PFSI's dividend history
DPS
$0.75
Dividend yield
1.14%
Payout ratio
3.4%
Recent dividends

Financial health

How did PennyMac Financial Services financials performed over time
PennyMac Financial Services's total assets is 17% more than its total liabilities
PennyMac Financial Services's total liabilities has decreased by 27% QoQ
PennyMac Financial Services's total assets has decreased by 24% from the previous quarter but it has increased by 2.8% YoY
PFSI's equity is up by 42% YoY
PFSI's debt to equity is down by 31% year-on-year and by 29% since the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.